Business Platinum Rewards — BayCoast Bank

Business Platinum Rewards — BayCoast Bank is a business credit card from BayCoast Bank. The annual fee is $0. The ongoing APR is Prime + 9.74% to Prime + 15.74% based on credit score. Rewards: 1% cash back on all purchases, usable for statement credits or a direct deposit into your checking account; no limit on cash back earnings. Cash back: 3% on travel & dining, 2% on gas, 1% on other purchases. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Bureau pull varies by state: Experian (~50%), Equifax (~30%), TransUnion (~7%).

Sources & citations

• Rewards, Apply link, Lender name, Intro APR, Annual fee, APR, Product name, Product type, Intro APR length, Other conditions, Business type, Foreign transaction fee: https://baycoast.bank/en/business/services/credit-cards/ (checked 2026-10-23)
• Lender phone: https://baycoastbank.myapexcard.com/contact-us/
• Where it's offered, Sign-up bonus, Business bureaus, Business credit check, Personal guarantee, Credit bureau, Reports to personal credit, Documents required, Credit check, Pre-qualification, Personal credit check: https://baycoastbank.myapexcard.com/apply/?pid=4010388620 (checked 2026-04-28)
• Lender website: https://baycoastbank.myapexcard.com
• Credit bureau: https://www.doctorofcredit.com/which-credit-bureau-does-each-card-issuer-pull/
• Personal credit check: https://www.consumerfinance.gov/ask-cfpb/whats-the-difference-between-a-hard-inquiry-and-a-soft-inquiry-en-1317/ (checked 2026-04-28)